Flexible Financing for the Car You Want
Buy the car you want for less with a Members Heritage New Auto Loan. With low-to-no down payments and terms up to 84 months, a new vehicle may be more affordable than you think.
New Car Loan Benefits
Stress-Free Car Buying Support
Easily find the perfect new vehicle with our exclusive Auto Advisors' service.
No Prepayment Penalties
Ready to close out your loan? We don’t charge any extra fees if you’re able to pay off your loan early.
Flexibility When You Need It
Use Skip-a-Payment to free up funds when money is tight.
Easy Account Management
Check your loan balance and make payments with Online & Mobile Banking.
Up to 100% Financing
Skip the down payment. Finance the full value of your car.*
New Car Loan Features
Why compromise? Get the brand-new vehicle you’ve always wanted with our affordable, hassle-free new car loans. Rates as low as 4.49% APR**.
- 100% financing available
- Loan term lengths up to 84 months with fixed rates
- No application or processing fees
- No prepayment penalty
- Skip-a-Payment option when you need a little extra cash
- Make automatic debit payments from your account
- Hybrid & Electric Vehicle Discount available
No-Stress Car Buying with Auto Advisors
Gain access to our exclusive concierge-style car-purchasing service. Members Heritage partners with Auto Advisors to make your entire car-buying journey stress-free.
Dedicated advisors provide expert guidance every step of the way from vehicle selection to trade-in evaluation and financing options. Our goal is to help you get the best deal possible with less hassle and more confidence.
Enjoy fully personalized auto-buying support—just for being a member!
Check Our Competitive Auto Loan Rates
Auto Loans
Effective Date: 4/1/2026
| Type | Rates as low as | APR* |
|---|---|---|
| Vehicle Loan, 100% Financing | 4.49% | 4.49% |
| New or Used Boats, RVs & Campers, 100% Financing (fixed) | 7.49% | 7.49% |
| New or Used Boats, RVs & Campers, 80% Financing (fixed) | 7.24% | 7.24% |
| Farm Equipment over $25,000 (variable) | 10.00% | 10.00% |
What Our Members Are Saying
New Auto Loan FAQ
Need more borrowing options?
If you’re not in the market for a new car at the moment, we have other vehicle loan options to meet your specific needs.
Auto Loan Refinancing
Save money on your car payments, whether it’s with lower interest rates or more favorable terms.
Extended Warranty
Protect your new auto with an extended warranty that covers repairs due to mechanical breakdowns.
Auto Insurance
Get excellent coverage and protect your vehicle for a low monthly payment with Members Insurance Services.